The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
CABOT CORP COM 127055101 1,704 39,687 SH   SOLE 0 0 0 39,687
CABOT MICROELECTRONICS CORP COM 12709P103 1,626 17,058 SH   SOLE 0 0 0 17,058
ISHARES INC CORE MSCI EMKT 46434G103 1,688 35,794 SH   SOLE 0 0 0 35,794
ISHARES TR TIPS BD ETF 464287176 469 4,278 SH   SOLE 0 0 0 4,278
ISHARES TR S&P 500 VAL ETF 464287408 354 3,500 SH   SOLE 0 0 0 3,500
ISHARES TR MSCI EAFE ETF 464287465 231 3,936 SH   SOLE 0 0 0 3,936
ISHARES TR MSCI EMG MKT ETF 464287234 253 6,479 SH   SOLE 0 0 0 6,479
ISHARES TR CORE US AGGBD ET 464287226 7,579 71,174 SH   SOLE 0 0 0 71,174
ISHARES TR 0-5 YR TIPS ETF 46429B747 2,691 27,451 SH   SOLE 0 0 0 27,451
ISHARES TR NATIONAL MUN ETF 464288414 236 2,165 SH   SOLE 0 0 0 2,165
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 60,556 1,197,002 SH   SOLE 0 0 0 1,197,002
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 10,527 176,334 SH   SOLE 0 0 0 176,334
SCHWAB STRATEGIC TR US TIPS ETF 808524870 3,399 63,829 SH   SOLE 0 0 0 63,829
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,683 43,708 SH   SOLE 0 0 0 43,708
SPDR S&P 500 ETF TR TR UNIT 78462F103 908 3,635 SH   SOLE 0 0 0 3,635
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 8,128 102,618 SH   SOLE 0 0 0 102,618
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 13,342 164,123 SH   SOLE 0 0 0 164,123
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 46,870 863,956 SH   SOLE 0 0 0 863,956
VANGUARD INDEX FDS GROWTH ETF 922908736 1,528 11,376 SH   SOLE 0 0 0 11,376
VANGUARD INDEX FDS VALUE ETF 922908744 1,995 20,368 SH   SOLE 0 0 0 20,368
VANGUARD INDEX FDS SMALL CP ETF 922908751 574 4,351 SH   SOLE 0 0 0 4,351
VANGUARD INDEX FDS TOTAL STK MKT 922908769 8,295 64,994 SH   SOLE 0 0 0 64,994
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 13,003 56,583 SH   SOLE 0 0 0 56,583
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,485 60,144 SH   SOLE 0 0 0 60,144
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,271 33,350 SH   SOLE 0 0 0 33,350
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 227 3,474 SH   SOLE 0 0 0 3,474
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 443 8,450 SH   SOLE 0 0 0 8,450
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 5,690 118,743 SH   SOLE 0 0 0 118,743
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 1,365 11,981 SH   SOLE 0 0 0 11,981
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 5,316 143,281 SH   SOLE 0 0 0 143,281